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When and where to apply for your mortgage. You can meet with a mortgage lender and get pre-qualified at any time. A pre-qual simply means the lender thinks that, based on your credit score, income, and other factors, you should be able to get approved for a mortgage. It’s informal and totally non-binding.
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In a Nutshell Depending on your unique situation, there are several documents you might need when you apply for a home loan, including your tax returns, pay stubs, bank statements and credit history.
There is no reason to be daunted by applying for a mortgage. Your principal job is to gather the information together that the mortgage company will need in order to process your loan application.
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